Is Cat Insurance Worth It
While researching pet insurance companies, you may ask yourself if a cat insurance plan is worth the cost. Heres one customers cat insurance story:
We have the unlimited plan for our two cats, Draco and Luna. Draco fell very ill and within a few hours, we were in the emergency vet. He had many blood transfusions and stayed overnight a couple times. It ended up being Leukemia in his bone marrow. Over the course of a couple days, we spent $5,494.00 and Figo reimbursed us $5,214.00 within a week and a half. It would have been quicker if the vet receipts had been itemized correctly: The emergency vet we went to had issues giving us appropriate receipts, so Figo contacted them for me immediately and settled any issues. After euthanizing him, a Figo rep assisted me in canceling his insurance and reimbursing us. Every representative I spoke with was extremely polite and went out of their way to help me. I am so thankful I did good research and picked this company! Emma P.
Providing insurance coverage for your cat is simple: Tell us a little bit about your kitty, then choose one of our three plans along with a reimbursement percentage and annual deductible. You can immediately see how your selections impact your monthly premium. Select a plan that works best for you and your cat, then submit your initial payment. With premiums averaging about $1.50 per day, cat insurance plans from Figo are not just valuable, they are also affordable.
Multiple Cats In An Airline
While there are multiple carriers on this list that are TSA and airline approved, they wont let you on the plane with two cats in the same carrier.
The reason for this is simple: Even if these soft carriers offer your cats enough space, once they get crammed underneath an airline seat, they wont. So, if you plan on flying with your cats, youll need multiple carriers.
The good news is that most airlines will allow you to fly with up to three pets, but theyll only let one in the cabin with you. Just be sure to check your specific airlines requirements before booking tickets or heading to the airport.
Best Cat Carriers For Two Cats In 2021
While its always best to give each cat their own carrier, thats not always feasible. The key to finding the best cat carrier for two cats is finding one that is large enough to give two cats the space to move and turn around but that is not too bulky to carry.
In the following reviews, we found 10 different cat carriers that met this criterion depending on the size of your cats. Just be sure to check out the buyers guide to get a more thorough understanding of what your cats need.
A Quick Comparison Of Our Favorites
|Petsfit Double Sided Expandable Cat Carrier Bag
|EliteField Soft-Sided Airline-Approved Cat Carrier Bag
|Sherpa Forma Frame Cat Carrier Bag
|Sturdi Products SturdiBag Flex-Height Airline-Approved Cat Carrier Bag
Pet Insurance Vs Dog Life Insurance: Which Do I Need
Pet insurance is designed to help you more easily afford the high costs of veterinarian care for your dog, cat, or other pet. It is possible to get dog life insurance which is a life insurance policy that pays a benefit when your dog passes away. Though expensive and often reserved for working dogs, dog life insurance helps pay for the costs associated with your dog dying. Costs may include cremation or burial as well as a service if you choose to have one.
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How Does Cat Health Insurance Work
Different pet insurance companies will have different coverage options, so youll want to make sure you know exactly how your pet insurance policy works. In general, youll pay for your cats insurance plan in monthly installments, known as your insurance premium.
A pet insurance plan usually comes with a series of waiting periods.
Lemonade has three different waiting periods that determine when a pet parent can start filing certain claims. Its 2 days for accidents 14 days for illnesses and 6 months for cruciate ligament events .
These waiting periods automatically start counting down from the start date of your policy.
Select A Plan That Reimburses A Percentage Of The Actual Vets Bill Not A Standard Charge
Pet insurance differs from traditional health insurance in that the plan generally reimburses you for a percentage of the final bill. You have to pay the bill yourself upfront, but then you can file a claim to receive between 70% and 90% of covered costs. There generally isnt a co-pay.
Instead of a percentage, some insurance providers base their reimbursements on usual and customary charges. Insurance providers calculate these rates based on national surveys, internal data, and knowledge of your area.
These usual and customary charges are not appropriate for a real-world billing scenario. Instead, choose a reimbursement plan based on the care your cat receives in reality.
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Average Cost Of Pet Insurance: 2022 Facts And Figures
Find the Cheapest Pet Insurance Quotes in Your Area
The average monthly cost of pet insurance is $50 for dogs and $28 for cats for plans that cover both accidents and illnesses, according to the North American Pet Health Insurance Association .
We found that the average monthly cost of a pet insurance plan ranges from about $24 to $86 for dogs and $9 to $30 for cats, based on an analysis of quotes from the largest pet insurance companies.
- How much does dog insurance cost?How much does cat insurance cost?How much does treatment cost without pet insurance?
Best For Chronic Conditions: 24petwatch
- Starting price: From $340 per year
- Deductible: $100 to $1,000
If your pet battles a chronic condition, 24PetWatchs $20,000 maximum annual limit will be more than sufficient to cover treatment. And, most pre-existing conditions are no longer excluded from coverage after 24 months without symptoms.
Pre-existing conditions reconsidered after 24 months symptom-free
Coverage includes trip cancellation and boarding
Visit any licensed veterinarian
Veterinary exam or medical records required
Age limits for dogs and cats
Plans difficult to understand
24PetWatch offers four pet insurance policies for cats and dogs. The only difference between these policies is the annual limit available. Heres how much coverage is offered with each plan:
- The Extra Plan: $3,000 in annual coverage
- The Classic Plan: $5,000 in annual coverage
- The Superior Plan: $10,000 in annual coverage
- The Champion Plan: $20,000 in annual coverage
Every plan from 24PetWatch covers accidents, illnesses, and related treatments, such as:
- Exam fees
- Alternative treatments
Plus, 24PetWatch will pay up to $500 for additional costs without requiring a deductible or coinsurance. These extra coverages include:
- Boarding kennel fees
- Additional living expenses
- Lost pet recovery costs
Pet owners can use a 24PetWatch insurance policy at any vet clinic or animal hospital in the United States. The waiting period is two days for accidents and 14 days for illnesses.
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What Are The Most Common Cat Health Problems
Here are some illnesses that could affect your feline friend:
- Vomiting and diarrhoea these often go away by themselves, but if they dont youll need to take your cat to the vet.
- Feline lower urinary tract disease is most commonly caused by bacterial infections. Your vet may prescribe antibiotics or surgery, depending on the cause of the problem.
- Upper respiratory infections these come from bacterial and viral infections. Treatment will usually involve antibiotics.
- Eye problems whether its conjunctivitis, cataracts or glaucoma, your vet may treat these conditions with eye drops or surgery.
- Diabetes just like humans, cats can suffer from type 1 and type 2 diabetes.Treatment involves administering insulin injections daily and regulating your cat’s diet.
Best For Older Dogs: Hartville
No matter how old your pet is, Hartville will let them sign up for a policy. Not only can senior dogs get accident-only coverage, they can still get illness and accident coverage too.
Illness, accident, and wellness coverage for all ages
One-month trial period
Multiple pet discount
Long waiting period for injuries
Hartville pet insurance covers all dogs and cats, regardless of their age. Policies are underwritten by Crum & Forster Insurance, which is the same insurer that provides coverage for the ASPCA.
There are two policies available from Hartville. The Complete Coverage policy includes coverage for accidents and illnesses, including conditions like:
- Hereditary conditions
- Eye disorders
As an alternative, pet owners can buy an Accident-Only Coverage plan that exclusively pays for accident-related injuries and treatment, including:
- Exam fees
- Swallowed objects
In addition, Hartville sells a Preventive Care Coverage rider which pays for the cost of routine wellness visits, vaccines, and dental cleanings. You must wait 14 days before you can use your plan for accidents and illnesses.
Pet insurance through Harville starts at $138 per year, but you can easily get a quote online for your pets age, breed, and the amount of coverage you want. You can select a deductible between $100 and $500, with the option for unlimited annual coverage limits . Pet owners can save 10% on their premium for each additional pet they insure.
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How Can I Find The Best Multi
To find the best multi-pet insurance policy its important to shop around and run several quotes to compare cover levels and prices. Bear in mind that it will be easier to find cover while your dog or cat is young and healthy compared to when your pet is older and/or has one or more medical conditions.
When comparing multi-pet insurance quotes, make sure you factor in exactly what youll be covered for and consider whether youd prefer a lifetime multi-pet insurance policy or a time-limited one. Remember that lifetime pet insurance is more expensive but provides a higher level of cover.
Is Routine Care Covered
Preventive care coverage is not included as part of Complete CoverageSM, but you can add it to your plan at a low additional cost. You can choose from two preventive care coverage options. They reimburse up to a set amount for a list of covered services that include things like annual exams, dental cleanings, and vaccines. Theres no deductible or co-insurance amount. Theres also no waiting period for preventive care coverage to start.
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Excess And Contributions For Multi
A policys excess is the amount of money you are responsible for paying toward the costs of any claims you make. You will only receive $700 if you file a claim for $850, and the excess on your insurance policy is $150.
The exact amount varies according to your pets age and breed, with the amount often rising over time. As a result, if your pet requires surgery and you require your insurer to cover the cost, you should expect to pay between £50 and £100 or more upfront.
It is possible that the higher the amount of excess you agree to pay when you purchase the insurance, the lower your premiums will be especially when you choose a voluntary excess on top of the compulsory or statutory excess. While the promise of low premiums can be enticing, its crucial to select a total excess that youll be able to pay if something goes wrong.
When you submit a claim, your insurance company may charge you a co-payment or contribution, which is a percentage of the claim, minus the excess you paid.
How Much Coverage Should I Get For My Cat
When you select your annual coverage limit, we recommend choosing the highest amount you think you might spend on veterinary care over the course of the year. You may be able to raise this limit later, but this requires starting a new policy. That means any conditions your cat had before the new policy begins would be considered pre-existing and not eligible for coverage.
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About The Author: Kimberly Alt
Kimberly leads copy and research strategy for Canine Journal. She has more than a decade of professional writing and editing experience under her belt, including working for multiple newspapers, magazines, and websites. Some popular companies she has helped with include Better Homes & Gardens, Parents.com, and the International Brotherhood of Electric Workers.
Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. She is a member of Dog Writers Association of America, and her work has appeared in many notable brands, including The New York Times’ Wirecutter, Reader’s Digest, Forbes, People, Woman’s World, and Huffington Post.
In 2017, Kimberly and her husband adopted their Coonhound mix, Sally, from a local shelter. Sally is a great family dog and is gentle around Kimberly’s two children, who are completely infatuated with her. When Kimberly isn’t writing about all things dog, you can find her taking walks with her family, playing in her yard with her kids, trying a new recipe in the kitchen, exploring the national parks, and spending as much time outside as possible.
What We Cover
Different Types Of Multi
A lifetime multi-pet insurance policy is typically more expensive than a time-limited multi-pet insurance policy. Thus when comparing the two, it is best to go for a less expensive policy.
- Lifetime multi-pet insurance gives coverage up to a maximum limit for each condition each year, per pet, throughout the policys validity. If your insurance policy has a limit of £5,000, you will be able to make claims up to this amount for each insured condition for each pet. If you renew your insurance after 12 months, your coverage limit will be reset to the starting point.
- Time-limited Multi-pet insuranceis less expensive than a lifetime policy. The policy covers each ailment for a maximum of 12 months from when the first treatment is received assuming that the policy is renewed. Using the above example, if you file a claim for a specific condition six months after purchasing your policy, you would be covered for that condition for the remaining six-seven months of your current policy as well as the first six months of your following policy provided you renew with the same insurance company. Your kitty will no longer be covered for that specific illness or condition once the 12-month period has expired or you have reached the fixed sum amount you have set.
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What Might Be Excluded From Cover
Youll also need to look out for exclusions. Most policies will only cover cats or dogs once they are at least eight weeks old, and there will usually be a maximum age limit too.
You may also find that certain breeds of dogs, or pets that have shown aggression or received legal complaints wont be covered. Dont forget to also check how many pets can be covered under the one policy.
Finally, you should factor in the cost of the excess. This is the amount you will need to pay towards the cost of any claim and youll often find that as your pet gets older, your excess will increase.
You may also have to pay whats known as a co-payment. This is a percentage of the cost of all treatment minus your excess.
A co-payment can help to bring down the cost of your premiums, but it also means the overall cost of claiming will be higher, so you may prefer to look for a multi-pet insurance policy that only charges one excess fee.
Can I Get A Discount For Insuring Multiple Pets
Most insurers will offer you a multi-pet discount if you have multiple pets on a pet insurance policy or multiple pets insured through them. Sometimes it’s the same discount for every added pet, and sometimes it’s higher with each additional pet. Ask your pet insurer how their multi-pet discounts work.
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Learn More About Pet Insurance
To find a pet insurance policy for your pet based on coverage, value, age, health needs, or species, read our best pet insurance article. You can also compare the top pet insurance companies in our pet insurance comparison, which includes multiple tables analyzing coverage, plan customization, waiting periods, and more.
Whats most important to you in your pet insurance policy?
Types Of Cat Insurance
Before you start to compare cat insurance and think about buying your policy, you will need to consider the level of cover your pet will need.
If you are looking for cheap cat insurance, you will need to accept a lower level of cover. While this may be tempting, taking out any pet insurance policy that doesn’t provide an adequate level of cover is likely to be a waste of money.
Make sure your prospective policy covers what your cat needs, then look for the cheapest price.
Here is an overview of the different levels of cat insurance on the market.
Owning a pedigree cat will mean that you may need to consider purchasing a higher level of cover. Lifetime cat insurance is usually considered the best option for pure breeds because these pets often suffer from hereditary diseases, which can become particularly severe in old age.
Paying vet bills over the life of a pedigree cat can mean spending thousands of pounds. Therefore, lifetime or maximum benefit insurance could potentially save you a significant sum in the long run.
As pedigree cats can be very valuable, it is also important to have the right cover for if your pet is stolen or gets lost. For cat insurance, UK providers will usually offer a range of add-ons and extras that can cover your pooch if the cover you need is not included in a standard policy.
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